Sorry to hear about your accident, it sounds scary, and I wish you the best possible recovery.
I don't know whether it was hardware or braking technique, or quite possibly a combination of both. Sheldon Brown (of course) has a very good article on braking that is definitely worth reading, as far as technique goes:
http://sheldonbrown.com/brakturn.html
I'm not up on disc brakes, but it might help others on the forum if you could mention whether you have disc brakes in front and rear (it sounds like you do), and if they are hydraulic or mechanical.